Terms of use

Chia Hóa Đơn is a shared book for a group: it records who paid for what, works out everyone's share and suggests who pays whom. It is free.

Chia Hóa Đơn does not hold or move money and is not a bank or e-wallet. A QR code only pre-fills the details so you can transfer in your own banking app.

You need a real email to sign in, and you are responsible for keeping it secure. One account per person; do not create accounts for others without their knowledge.

You must be 16 or older to sign up yourself.

Members enter expenses and confirm transfers themselves. We calculate exactly from what is entered, but cannot verify who actually paid what in real life.

Money disputes between members are between members. The group owner can close the book to freeze the numbers once everyone agrees.

Anyone with an invite link can ask to join; anyone with a shared book link can see the book and balances. Send links only to people you mean to, and turn them off or replace them when no longer needed.

If you add a receiving account, you agree that members of a group where you are being paid can see its number in order to pay you; when the group turns on public sharing, anyone with the link can see it. Only add an account you are happy to share this way.

Using the app for fraud, fake debts, harassing others, or storing unlawful information.

Attacking, scanning, bulk automated access, or trying to get around the system's limits.

We may suspend an account that breaks these rules to protect other users.

We work to keep the app running but cannot promise it will never be interrupted. Features may change; if we remove one that is widely used, we will say so first.

To the extent the law allows, we are not liable for indirect losses from using the app, including from numbers entered incorrectly.

You can ask for your account to be deleted at any time by emailing [email protected]. What happens to your data then is in the Privacy policy.

These terms are governed by the laws of Vietnam. We update the date at the top when they change; continuing to use the app afterwards means you accept the new version.